Mortgage Rates

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Consumer Loan Rates

Consumer Loan Rates effective as of December 3, 2024

Approval subject to Washington Financial Bank's underwriting guidelines and collateral requirements.

Please note that we offer additional loan types and options not listed below. Call or stop by a branch today for other products, rates and terms available to meet your specific borrowing needs. 

Home Equity Loan - Fixed Rates
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Term Minimum Loan Amount Maximum Loan Amount APRs as Low As Estimated Monthly Payment
60 Months $10,000.00 $99,999.99 7.280% $196.75
60 Months $100,000.00 $250,000.00 6.661% $1,961.60
60 Months $250,000.001 And Above 6.511% $4,890.23

For additional information, please see the "Learn More" button above.

Closed-end loan secured by residential property. Quoted annual percentage rates (APRs) noted above are available to well qualified borrowers for loan amounts ranging from $10,000 and up, for a one to four family, owner-occupied, residential property. Not for home purchase. Interest rates and APRs vary by term, credit score and loan amount. Maximum Loan to Value's (LTV) are as follows and are determined by combining all outstanding loan balances/maximum line of credit limits of the subject properties existing liens: Combined loan balances/maximum line of credit limits exceeding $1MM have a maximum LTV of 75%; and combined loan balances/maximum line of credit limits up to and including $1MM have a maximum LTV of less than 90%. All applications are subject to approval under Washington Financial Bank's underwriting guidelines and collateral requirements. The payment examples above are based on the minimum loan amounts for each category, payable monthly over the term of 60 months. Payments do not include taxes and insurance (if applicable) and the actual payment obligation will be greater. No prepayment penalties. Rates, terms and fees are subject to change without notice. Additional product terms available.

Home Equity Lines of Credit - Variable Rates
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Loan Amount APR as Low as Estimated Monthly Payment
$10,000 and Above 7.75% (Prime + 0%) $1,145.83

For additional information, please see the "Learn More" button above.

Open-end Line of Credit secured by residential property. Quoted annual percentage rate (APR) and margin is available to well qualified borrowers for loan amounts ranging from $10,000 and up, for a one to four family, owner- occupied, residential property. Not for home purchase. Interest rates and APRs vary by credit score. Maximum Loan to Value's (LTV) are as follows and are determined by combining all outstanding loan balances/maximum line of credit limits of the subject properties existing liens: Combined loan balances/maximum line of credit limits exceeding $1MM have a maximum LTV of 75%; and combined loan balances/maximum line of credit limits up to and including $1MM have a maximum LTV of less than 90%. This is a variable rate loan and the APR is based on the Wall Street Journal Prime Rate (WSJ) + a margin. Maximum APR is 18%. Minimum monthly payment requirement is .50% of the principal balance drawn + interest, or $50.00, whichever is greater. Estimated payment is based on a fully drawn loan amount of $100,000 due monthly. The line of credit has a draw period of 10 years, followed by monthly payments until paid in full. If you payoff and terminate your line of credit within 36 months of the day you sign the agreement, you will pay an early termination fee of the lesser of 2% of the initial credit limit or $350.00. One-time origination fee of $100.00. No additional closing costs unless loan amount exceeds $500,000. For loan amounts exceeding $500,000, title insurance would be required. Cost of title insurance varies based on loan amount requested. Property insurance will be required if applicable. All applications are subject to approval under Washington Financial Bank’s underwriting guidelines and collateral requirements. Rates, terms and fees are subject to change without notice.

Personal Lines of Credit - Variable Rates
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Loan Amount APR as Low as Estimated Monthly Payment
$2,500 -$10,000 10.75% (Prime + 3%) $250.00

For additional information, please see the "Learn More" button above.

Open-end Line of Credit. Quoted annual percentage rate (APR) and margin is available to well qualified borrowers. Interest rates and APRs vary by credit score. This unsecured line of credit is a variable rate loan and the APR is based on the Wall Street Journal Prime Rate (WSJ) + a margin. Maximum APR is 18%. Minimum monthly payment requirement is 2.50% of the principal balance drawn, or $50.00, whichever is greater. Estimated payment is based on a fully drawn loan amount of $10,000 due monthly until paid in full. The line of credit has a draw period of seven years, followed by monthly payments until paid in full. No prepayment penalties. No additional costs. All applications are subject to approval under Washington Financial Bank's underwriting guidelines. Rates, terms and fees are subject to change without notice.

Personal Unsecured Installment - Fixed Rates
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Loan Amount APR as Low as Estimated Monthly Payment
$2,500 - $10,000 12.00% $222.46

For additional information, please see the "Learn More" button above.

Closed-end Unsecured Loan.  Quoted annual percentage rate (APR) noted above is available to well qualified borrowers. Interest rate and APR vary by credit score. The estimated monthly payment is calculated using the maximum loan amount for the category and is payable monthly over a maximum 60 month term. No prepayment penalties. No additional costs. All applications are subject to approval under Washington Financial Bank's underwriting guidelines. Rates, terms and fees are subject to change without notice. 

New Vehicle Loans - Fixed Rates
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Loan Term APR as Low as Estimated Monthly Payment
0 - 36 Months 6.49% $766.08
37 - 54 Months 6.74% $537.99
55 - 72 Months 6.99% $426.11

For additional information, please see the "Learn More" button above.

Closed-end vehicle loan. The above stated Annual Percentage Rates (APR) are available to well qualified borrowers. Interest rates and APRs for each category vary by credit score. The estimated monthly payments are calculated based on a loan amount of $25,000 payable monthly over the maximum loan term in each category noted above. Collateral must be titled in the state of Pennsylvania. No prepayment penalties. No additional costs. All applications are subject to approval under Washington Financial Bank's underwriting guidelines and collateral requirements. Rates, terms and fees are subject to change without notice.

Used Vehicle Loans - Fixed Rates
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Age of Collateral Maximum Term APR as Low as Estimated Monthly Payment
0 - 2 Years 0 - 72 Months 6.99% $426.11
3 - 5 Years 0 - 60 Months 7.24% $497.86
6 - 8 Years 0 - 48 Months 7.74% $607.25
9 - 10 Years 0 - 36 Months 8.24% $786.14

For additional information, please see the "Learn More" button above.

Closed-end vehicle loan. The above stated Annual Percentage Rates (APRs) are available to well qualified borrowers. Interest rates and APRs for each category vary by credit score. The estimated monthly payments are calculated based on a loan amount of $25,000 payable monthly over the maximum loan term in each category noted above. Collateral must be titled in the state of Pennsylvania. Age of used vehicle changes on January 1st of each year. No prepayment penalties. No additional costs. All applications are subject to approval under Washington Financial Bank's underwriting guidelines and collateral requirements. Rates, terms and fees are subject to change without notice.

Deposit Rates

Deposit Rates effective as of December 3, 2024

Additional deposit/savings products available.  Contact your local branch for Annual Percentage Yield and Rate information.

Rebellion Cash
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Balance Interest Rate APY Minimum Deposit to Open
$0 - $10,000 2.47% 2.50% $25
Balances over $10,000 0.15% 0.36 to 2.50% $25
All balances if qualifications not met 0.05% 0.05% $25

APY = Annual Percentage Yield.  The account is a variable rate account and the rate may change after the account is opened.  The effective date of the rates is noted at the top of this page.  Fees may reduce earnings on the account.  To earn the rates stated above, simply perform the following activites and transactions within your Rebellion Cash Account each monthly qualification cycle:

  • Have at least 12 qualifying debit card purchases post and settle
  • Be enrolled and agree to receive E-statement notices
  • Be enrolled and log into online banking

If you don't qualify for the month, don't worry! There's no monthly service fee, and you can get back to having the chance to earn the higher rates the very next monthly qualification cycle!  For detailed account and reward information see the LEARN MORE button above. 

Rebellion Saver
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Balance Interest Rate APY Minimum Deposit to Open
$0 - $10,000 0.49% 0.50% $0
Balances over $10,000 0.15% 0.18 to 0.50% $0
All balances if qualifications not met 0.05% 0.05% $0

APY = Annual Percentage Yield.  The account is a variable rate account and the rate may change after the account is opened.  The effective date of the rates is noted at the top of this page.  Please note this is note a standalone account.  This account must be linked to a Rebellion Cash or Rebellion Cash Back checking account.  Fees may reduce earnings on the account.  To earn the rates stated above, simply perform the following activities and transactions within your Rebellion Cash or Rebellion Cash Back Account each monthly qualification cycle: 

  • Have at least 12 qualifying debit card purchases post and settle
  • Be enrolled and agree to receive E-statement notice
  • Be enrolled and log into online banking

If you don't qualify for the month, don't worry!  Your savings will still earn 0.05% APY, and you can get back to having the chance to earn the higher rates the very next monthly qualification cycle!  For detailed account and reward information see the LEARN MORE button above.

Interest Checking
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Balance Interest Rate APY Minimum Balance to Open Minimum Daily Balance to Earn APY
$0 - $2,499 0.05% 0.05% $25 $100
Balances over $2,500 0.05% 0.05% $25 $100

APY = Annual Percentage Yield.  The account is a variable rate account and the rate may change after the account is opened.  The effective date of the rates is noted at the top of this page.  Fees may reduce earnings on the account.  For additional account information see the LEARN MORE button above.

Statement Savings
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Balance Interest Rate APY Minimum Deposit to Open and Minimum Daily Balance to Earn APY
$0 - $2,500 0.05% 0.05% $100
$2,500 - $4,999 0.05% 0.05% $100
$5,000 - $9,999 0.05% 0.05% $100
$10,000 - $24,999 0.05% 0.05% $100
$25,000 - $49,999 0.05% 0.05% $100
Balances over $50,000 0.05% 0.05% $100

APY = Annual Percentage Yield.  The account is a variable rate account and the rate may change after the account is opened.  The effective date of the rates is noted at the top of this page.  Fees may reduce earnings on the account.  For additional account information see the LEARN MORE button above.

Savings Accounts
Account Interest Rate APY Minimum Deposit to Open
IRA Savings 0.05% 0.05% $250
Minor Statement Savings 0.05% 0.05% $25

APY = Annual Percentage Yield.  The account is a variable rate account and the rate may change after the account is opened.  The effective date of the rates is noted at the top of this page.  Fees may reduce earnings on the account.   For additional account information click on one of the products listed within the chart above.

Certificate of Deposit
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Term Interest Rate APY Minimum Balance to Open and Earn APY
CD Special: 20 Months 2.97% 3.00% $500
91 Days 0.10% 0.10% $2,500
182 Days 0.15% 0.15% $2,500
12 Months 0.20% 0.20% $500
24 Months 0.25% 0.25% $500
36 Months 0.40% 0.40% $500
48 Months 0.45% 0.45% $500
60 Months 0.50% 0.50% $500
120 Months 0.95% 0.95% $500
Customer Choice CD: 24 Months 0.30% 0.30% $2,500

APY = Annual Percentage Yield.  The effective date of the rates is noted at the top of this page.  Fees may reduce earnings on the account.  An early withdrawal penalty may be imposed resulting in a reduction of earnings.  In addition, the Customer Choice CD functions differently than the other CD products noted above.  This product allows the customer to change the rate of earnings on this account to the current rate offered for the Customer Choice CD once during the initial term and once during each renewal term.

For additional account information see the LEARN MORE button above.

Regular IRA CDs
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Term Interest Rate APY Minimum Balance to Open and Earn APY
12 Months 0.20% 0.20% $500
24 Months 0.25% 0.25% $500
36 Months 0.40% 0.40% $500
48 Months 0.45% 0.45% $500
60 Months 0.50% 0.50% $500
120 Months 0.95% 0.95% $500
Customer Choice IRA CDs: 24 Months 0.30% 0.30% $2,000

APY = Annual Percentage Yield.  The effective date of the rates is noted at the top of this page.  Fees may reduce earnings on the account.  An early withdrawal penalty may be imposed resulting in a reduction of earnings.  In addition, the Customer Choice IRA CD functions differently than the other IRA CD products noted above.  This product allows the customer to change the rate of earnings on the account to the current rate offered for the Customer Choice IRA CD once during the initial term and once during each renewal term.

For additional account information see the LEARN MORE button above.

Money Market
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Balance Interest Rate APY Minimum Balance to Open
$0 - $2,500 0.05% 0.05% $1,000
$2,500 - $4,999 0.05% 0.05% $1,000
$5,000 - $9,999 0.05% 0.05% $1,000
$10,000 - $24,999 0.05% 0.05% $1,000
$25,000 - $49,999 0.10% 0.10% $1,000
$50,000 - $249,999 0.10% 0.10% $1,000
Balances over $250,000 0.15% 0.15% $1,000

APY = Annual Percentage Yield.  The account is a variable rate account and the rate may change after the account is opened.  The effective date of the rates is noted at the top of this page.  Fees may reduce earnings on the account.  For additional account information see the LEARN MORE button above.